United India United Top Up Medicare Health Insurance

Claim Settlement | Dedicated Team |
Claim Settlement Ratio | 78.03% |
COVID-19 Cover | Yes |
Network Hospitals | 7,000+ |
Policies Sold | 11,82,067 |
Renewability | Lifelong |
About United India United Top Up Medicare Health Insurance
United Top Up Medicare policy is an added protection that a policyholder can opt for to prevent themselves from facing any financial inconvenience at the time of a medical emergency. Of immense support, Top Up Medicare policy by United India Insurance provides protection in excess of any primary health policy. What’s the best part is that one can also choose Top Up Medicare policy even if they don’t have any other health insurance policy. Easily available on individual as well as family floater sum insured basis, Top Up Medicare becomes active when the covered hospitalisation expenses exceed the Threshold Level stated in the policy.
With Top Up Medicare policy by one’s side, there’s no need for them to be concerned about getting their in-patient hospitalisation expenses, pre and post hospitalisation expenses, ambulance charges (incurred in India), and various other expenses covered. The perfect top up to go with, Top Up Medicare policy benefits the insured with tax rebate as well. Available with the option of lifelong renewability, the offered top up policy by United India Insurance is undoubtedly a boon that one can rely on or make the most of when an emergency situation demands a back-up plan.
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalisation
- Lifetime renewability option
- Ambulance charges by road
- Tax benefits under Section 80D
- 30 days pre & 60 days post hospitalisation
What's Not Included
- Non-medical expenses
- War and war-like operations
- Pregnancy and related disorders
- HIV, AIDS and sexually transmitted diseases
- Domiciliary treatment, treatment outside India
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United India Top Up Medicare Expert Review
Expert Review
Are you worried because of the lower sum insured amount of your health insurance policy? Do you want to increase the limit of the sum insured without purchasing a new health insurance? If so, United Top-up Medicare Policy is the solution for you. It’s a kind of plan, which covers medical costs after the sum insured of the existing policy has exhausted. Indeed, your regular policy covers you up to the specified sum insured, but the top-up plan enables you to get the cover beyond the specified sum insured limit on your plan.
Available both on Individual and Floater basis, the United Top-up Medicare Policy can be bought at lower premiums compared to the premiums of a basic health insurance policy. On the individual basis, the policy covers all family members, including parents with a different sum insured and threshold level. On the floater basis, the policy covers all family members in a single sum insured/threshold level. Parents can take a separate policy. Overall, the United Top-up Medicare Policy is a back-up plan providing you with additional coverage.
Major Attractions
The United Top-up Medicare Policy provides coverage for the people between 18 years and 80 years of age against hospitalisation expenses in India during the policy period. It also covers children of 3 months to 18 years provided either or both parents are covered under the same policy. Married, employed or self-employed children beyond 18 years are not covered. The sum insured under the policy starts from Rs. 3 Lakh up to Rs. 15 Lakh.
- Hospitalisation expenses including room, boarding, IV fluids, nursing, blood, oxygen, injection administration, etc.
- Various options with different Sum Insured and Threshold Level are available.
- Fees of specialists, surgeons, practitioners, anaesthetics or consultants
- Costs of orthopedic implants, pacemaker, infra cardiac valve replacements, diagnostic tests, etc.
- Charges of road ambulance service, not exceeding Rs. 2,500
- Medical expenses incurred 30 days before hospitalisation
- Related medical costs, 60 days from the date of discharge
What’s More?
As a leading name in the insurance industry, United India offers many more benefits under its top-up policy. It can provide coverage for pre-existing diseases after 48 months of the waiting period, cashless treatment in top network hospitals in India, reimbursement of covered expenses if the treatment is taken in a non-network hospital, the flexible sum insured options and many more. Here are some common benefits of the policy:
- A portability option to transfer policy
- Tax exemptions as per Section 80D of the Income Tax Act, 1961
- An option to renew the policy annually throughout the lifetime
- 15 days of free look period to review the terms and conditions
- A grace period of 30 days in the event of a break in the policy
Conclusion
Skyrocketing medical costs are putting a question mark on the credibility of health insurance with a lower sum insured. If a disease strikes, the treatment may require a good amount of money. At times, the hospital bills and expenses reach out the sum insured limits, thereby making patients paying for the expenses from their own pocket. That’s where United Top-up Mediclaim comes to play a bigger role by increasing the sum insured limit. If you already have a health insurance, but the sum insured is lower, purchasing the Untied India Top-up is the right step.
It is advisable to choose InsuranceDekho and buy the health insurance policy online. InsuranceDekho is committed to providing proper assistance to customers right from the time of purchasing the policy till filing a claim and getting it approved.

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FAQs on United Top Up Medicare Health Insurance Plan
What does Top Up Medicare policy cover?
Top Up Medicare policy by United India Insurance covers in-patient hospitalisation expenses, pre and post hospitalisation expenses, and ambulance charges incurred in India.
What are the types under which Top Up Medicare policy can be availed?
A policyholder can avail Top Up Medicare policy under both, individual sum insured or family floater sum insured basis.
What is the sum insured range for Top Up Medicare policy?
The sum insured range for the policy is Rs. 3 Lakh to Rs. 15 Lakh.
What is the Specified Threshold Level range under Top Up Medicare policy?
Under Top Up Medicare policy, Specified Threshold Level ranges between Rs. 2 Lakh to Rs. 5 Lakh.
What is the eligibility criteria for buying Top Up Medicare policy?
For Top Up Medicare policy, while the minimum entry age is 3 months, the maximum entry age is 80 years.
How many relationships can be covered under Top Up Medicare policy?
A policyholder can cover their family comprising of self, legal spouse and dependent children under Top Up Medicare policy.
Does Top Up Medicare policy cover OPD expenses?
No! The policy does not provide coverage for procedures/treatments performed in out patient department or even in case of conversion as an in-patient in the hospital for a period exceeding 24 hours or treatment carried out in daycare centres.
What are the pre-acceptance health check-ups required for buying for Top Up Medicare policy?
Physical examination carried out at proposer’s cost include Blood Pressure, Glycosylated Haemoglobin, Serum Creatinine, Serum Urea, ECG, and Stress Test unless contraindicated. Note that 50% of the cost of the medical examination is reimbursed to the insured individual on acceptance of the request for enhancement of sum insured.
Are pre-existing diseases covered under Top Up Medicare policy?
Pre-existing disease coverage under Top Up Medicare policy is provided to the insured individual after four years of continuous coverage since inception of the top up policy with the insurer.
Does Top Up Medicare policy feature tax benefits?
Yes! On buying Top Up Medicare policy, one can avail tax rebate according to the Income Tax rules under Section 80D.